Credit Card Reviews

Capital One Platinum Costco MASTERCARD Consumer Reviews

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(190 reviews)
Capital One Platinum Costco MASTERCARD
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Pandemic hardship

by Ricki Toi on Mar 28, 2021
1 out of 5 stars

During these hard times, I find it hard to believe that Costco Master Card still charges 25% interest on purchases, and cash withdrawals. I called customer service about this, and they said they are working on this matter. That was five months ago, and nothing has changed. “Visa” was kind enough to drop from 19% to 10% and so forth with other financial institutions. Thank you Costco Master Card for your lack of support during this pandemic hardship

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Extremely Restrictive!

by Martin M on Mar 25, 2021
2 out of 5 stars

I have hundreds of thousands of dollars in the bank and a spotless credit rating my entire life, yet they insist that I can only get a $2,000 Credit on the card for the first year! I have automated payments and the monthly balance is paid in full every month like clockwork (except when they withdrew the payment twice!!). Looks like I will have to cancel this card so that I won't be restricted or embarrassed when I reach my limit EVERY month!

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Customer Service Nonexistent

by Karen Fitzpatrick on Mar 19, 2021
1 out of 5 stars

Have been trying to settle my late husband's estate with Capital One. Have been trying for a year and a half to talk to someone to settle this debt. Have phoned umpteen times, been on hold for up to 3-4 hours at a time. No one answers. Have sent letters of settlement umpteen times. No response.
Worst credit card company to have to deal with. Plenty of other credit cards out there. Do yourself a favour and choose another one.

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Get this card / Apply online

Worst credit card ever

by StephanVoyer on Feb 25, 2021
1 out of 5 stars

Customer service is absolutely the worst I have ever experienced. Complete indifference to my needs and requests. I am a business owner with a net worth of almost 3 million... my credit rating is top shelf. Requests for the already too low credit limit to be increased are blown off with complete lack of respect and consideration. When asked to speak with someone who had authority, I was put on hold of an exorbitant amount fo time only to speak to someone who clearly had the same level of authority as the first..ridiculous. Today my wife went to use the cash back cheque, which is on the card that is in both out names on a Costco account in both our names, to be told she was not allowed to redeem it, since she was not me... What?? They brag on website about customers first? they don't give a shit at all..I have completely stopped using card, and have now cleared last payment, (because that's what i do with my bills) and plan to spend the cash back cheque, then I will shred the card

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Poor customer service

by larry on Feb 23, 2021
2 out of 5 stars

Tried multiple times to raise a credit limit, no luck. Takes way too long to mail new cards out.

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Customer service unacceptable

by Fed-Up on Oct 29, 2020
1 out of 5 stars

Customer Service on overseas calls does not even deserve 1star Policy. Capital One putting a block on my account that has been in good standing because they wanted to update their information on file. Unacceptable! Still after 3 days of trying to contact no success. Multiple transfers, disconnected, dropped calls and hang-up. If they want information they should reach out or send a letter. Sadly a forgotten talent. Getting me into account payment problems with my auto pays, small monthly amounts, that they blocked, without notice of any kind to me, well within my credit limit. If I managed my small business like this I would not expect to be in business long...

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:

 

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65

Get this card / Apply online

Unfair policy

by Lyn on Oct 28, 2020
1 out of 5 stars

They forfeit my cashback rewards accumulated almost a year cause I decided to not renew my Costco membership that expired near the end of the year. It will not be forfeited only if it expired after their January voucher issue date. This policy is unfair as there is no point using their card for purchases if Costco membership will expire before they issue the cashback and I decide to not renew anymore. I could be better off with other cashback credit cards than this. Disappointed with this policy and customer service.

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Really half a star, at best.

by Lakehouse on Oct 17, 2020
1 out of 5 stars

Here’s our challenge with this card: Despite making a sensible request on two occasions over two years, we were met with a firm “no” and what appeared to be indifference. We use this card primarily for Costco purchases. In 2019 & 2020 we purchased relatively expensive holidays through Costco Travel. The Costco Connection magazine recommended using your Capital One Costco credit card to pay for Costco travel bookings. (July/August 2018 issue) So this is what we endeavoured to. When final payment for the holidays was due, the balances exceeded our card’s modest credit limit, so we requested a credit increase. The immediate answer was “no” - with absolutely no rationale given and minimal opportunity to escalate the request with a manager. This is despite never once missing a payment, having substantial financial means and a credit score between 800 and 900. Our requests (both times) were met with complete indifference. Based on our interactions and the other reviews on this site, it is a mystery as to how this company prides itself on serving customers. From their website: “We’re in the business of helping customers succeed with credit.” (Hmmm.) “For over 20 years, we’ve been offering innovative credit solutions which are tailored to the individual needs of Canadians.” (We are individuals but our personal financial abilities didn’t seem to be taken into account.) And, ‘At Capital One, we never stop challenging ourselves to find better ways to serve our customers.” (Really? Not our experience.) Based on the very curt response on both occasions to our requests, we think Costco’s Capital One Canada needs to do some corporate soul searching and perhaps realize they are not hearing their customers. In our case, we can use our Visa Gold card and pay off the holiday balance — no problem there. But we would have preferred to have earned the Costco points. That, after all, is the benefit of the card. I love Costco and their mission of continually providing its members with quality goods and services. It’s too bad that the credit card company they are currently affiliated with doesn’t do likewise.

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Scam

by Sara C on Oct 7, 2020
1 out of 5 stars

I accumulated the rewards of Capital One with a Costco membership. My Costco membership was up for renewal. When I renewed Costco did not give my new information to Capital One. Therefore my account was closed and I lost my rewards. No warning or opportunities to correct.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment 

Get this card / Apply online

Costco capital one master card

by Sadie on Aug 17, 2020
1 out of 5 stars

I recommend to everybody never apply for this card; Since they deny your request without any reason. I applied it with a really good score and history that I had in my credit report but they deny my request with a really ridiculous reason and when I called to capital one to ask the reason; They mentioned because your credit limit with other Banks is high.

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